Pappajack Berhad

Pappajack Berhad is a Malaysian public company principally engaged in the provision of pawnbroking services through a network of licensed pawnbroking outlets across Malaysia. The group's history can be traced back to 2014, when it received its first pawnbroking licence from the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan, or KPKT) and opened its first outlet in Bayu Tinggi, Selangor. Since then it has expanded to a nationwide network of conventional pawnshops, and it has also moved into the Ar-Rahnu (Islamic pawnbroking) segment. The core business is straightforward: customers pledge portable collateral — jewellery, all types of gold, and timepieces — in exchange for short-term cash loans. Pappajack operates under the Pawnbrokers Act 1972 and is licensed by KPKT, which means it must adhere to prescribed interest rates, administrative fees chargeable to customers, and administrative procedures set by the regulator, including procedures for selling unredeemed pledges and obligations to customers. The group provides pawn loans up to certain amounts approved by KPKT against pledges of gold items and luxury watches. As of the company's own disclosures, Pappajack has 53 conventional pawnshops opened across Malaysia, with plans to open more outlets. In addition, the group has operated a total of 6 Ar-Rahnu outlets since the end of 2025. The company presents itself as a convenient way to "turn your jewellery, timepieces into cash instantly," positioning pawnbroking as a long-established form of lending based on portable collateral. Pappajack Berhad is a public company in Malaysia. Its official website also publishes corporate governance materials, including a board charter, code of conduct, anti-bribery and corruption policy, anti-money laundering policy, whistleblowing policy and form, fit and proper policy, privacy policy and terms of reference, reflecting the compliance expectations of a licensed financial-adjacent service provider. The brand is therefore best understood as a regulated Malaysian pawnbroking operator and consumer lending brand rather than a general retailer.

Pappajack Berhad's history can be traced back to 2014, when the group received its first pawnbroking licence from the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan, or KPKT) and opened its first pawnbroking outlet in Bayu Tinggi, Selangor. This marked the beginning of a licensed pawnbroking operation built around the pledge of portable collateral such as jewellery, gold and timepieces. From that single outlet, the group expanded its network of conventional pawnshops across Malaysia. Pawnbroking in Malaysia is regulated under the Pawnbrokers Act 1972, and Pappajack operates outlets licensed by KPKT. As a licensed operator, it must adhere to the regulations under the Act, including prescribed interest rates, administrative fees chargeable to customers, and administrative procedures set by KPKT, including procedures for selling pledges and obligations to customers. The group provides pawn loans up to certain amounts approved by KPKT against pledges of gold items and luxury watches. By the time of its current corporate disclosures, Pappajack had grown to 53 conventional pawnshops opened across Malaysia, with stated plans to open more outlets. The group also diversified into the Islamic pawnbroking segment, operating a total of 6 Ar-Rahnu outlets since the end of 2025. Ar-Rahnu is the Shariah-compliant form of pawnbroking commonly offered in Malaysia, and its addition broadens the group's addressable customer base. Pappajack Berhad is a public company in Malaysia. Its official website presents corporate governance and compliance materials — a board charter, code of conduct, anti-bribery and corruption policy, anti-money laundering policy, whistleblowing policy and form, fit and proper policy, privacy policy and terms of reference — which are typical of a regulated financial-adjacent business. The brand's public identity is therefore that of a licensed Malaysian pawnbroking group serving customers who need short-term cash against gold, jewellery and luxury watches.

• 2025

  Group had operated a total of 6 Ar-Rahnu outlets since the end of 2025.

• 2014

  Received first pawnbroking licence from KPKT and opened first pawnbroking outlet in Bayu Tinggi, Selangor.

• Reached 53 conventional pawnshops opened across Malaysia, with plans to open more outlets.

Licensed, regulated pawnbroking service offering instant cash against jewellery, gold and timepieces, with a growing nationwide outlet network in Malaysia.

• Pawn loans against gold

  Short-term cash loans secured by gold items, within limits approved by KPKT.

• Pawn loans against jewellery

  Loans against jewellery pledged as portable collateral.

• Pawn loans against luxury watches

  Loans against timepieces and luxury watches pledged as collateral.

• Ar-Rahnu financing

  Shariah-compliant pawnbroking offered through the group's Ar-Rahnu outlets.

1. 1Pappajack Berhad official websitepappajack.com.my
2. 2Pappajack Berhad on Wikidatawikidata.org